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$300 of unused cards. lastly instead of waiting for the huge refund on the tax return adjust your with holdings. >> that's your money. that's money that the government is giving back to you in the spring but why let the irs keep it? you can be saving orrin vesting this money or spending on worthwhile adventures. >> you can see about $500 with in the next two months by filing a new [inaudible]. >> home warrants have become almost standard with home sales, more than 75% now include a warranty. why it may not always be worth it so you don't waste your money. >> if you want peace of mind a home warranty sounds like a smart move. protect you from the high cost major repairs such as water heater failure for just a few dollars a month. for some that vanishes the first time they try to use it. joe and leslie didn't want any surprise when is they bought a 25-year-old house. they spent $400 on a home warranty. when the furnace went out. >> they wouldn't cover it. >> they wouldn't. >> reporter: the gas valves weren't covered by the warranty. then when their garage door opener went out
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